CommunityAmerica Credit Union Promotions: $25, $150, $200, $400 Checking, Savings Offers [KS, MO]

Find all CommunityAmerica Credit Union promotions, bonuses, and offers here.

Update 3/19/25: Here’s a link where you can earn a $300 checking bonus and a $200 bonus when opening a Guided Investing account. The Chief’s checking offer is back and at an increased bonus of $300 (previously $200) through 1/31/25.

CommunityAmerica Credit Union Promotions Review

CommunityAmerica Credit Union is headquartered in Lenexa, Kansas and was established 1940. Since then they have grown to 30 locations, offer money market rates that are 3X the national average, and they have an A health rating.

I’ll go over CommunityAmerica Credit Union offers below.

CommunityAmerica Credit Union $400 Checking Bonus

• What you’ll get: $400 Bonus
• Where it’s available: KS, MO (Branch Locator)
• Direct Deposit Requirement: Yes
• Credit Inquiry: Hard Pull
• Monthly Fees: $0
• Early Termination Fees: Unknown
• How to earn it:
  • To receive the $400 credit, you must first meet CommunityAmerica Credit Union membership eligibility requirements.
  • Other qualifications are as follows:
    • (1) Eligible to the first 500 members that live in the St. Louis Metropolitan Area. Living in the St. Louis Metropolitan Area is defined as living in the following counties: Bond, Calhoun, Clinton, Jersey, Macoupin, Madison, Monroe, and St. Clair in Illinois; and Franklin, Jefferson, Lincoln, St. Charles, Warren, St. Louis County and St. Louis City in Missouri.
    • (2) Open a new Cashback Free Checking or Chiefs Checking account, starting 4/1/2023 (members with existing Chiefs Checking or Cashback Free Checking accounts, or with Chiefs Checking or CashBack Free Checking accounts that have closed within the past six months do not qualify), and
    • (3) within 60 days of account opening set up a recurring monthly direct deposit of at least $250, not aggregated.
  • Within 60 days of meeting qualification requirements, a $400 credit will be posted into the primary account owner’s membership savings account.

(Limited time offer)

Editor’s Note: You can also earn up to $500 in bonuses when you open either a Chiefs Checking or Cashback Free Checking account to earn $300, and add a new Guided Investing account to earn an additional $200!

Fine Print

• Qualifications to Receive $400: To receive the $400 credit, you must first meet CommunityAmerica Credit Union membership eligibility requirements.
• Other qualifications are as follows: (1) Eligible to the first 500 members that live in the St. Louis Metropolitan Area. Living in the St. Louis Metropolitan Area is defined as living in the following counties: Bond, Calhoun, Clinton, Jersey, Macoupin, Madison, Monroe, and St. Clair in Illinois; and Franklin, Jefferson, Lincoln, St. Charles, Warren, St. Louis County and St. Louis City in Missouri. (2) Open a new Cashback Free Checking or Chiefs Checking account, starting 4/1/2023 (members with existing Chiefs Checking or Cashback Free Checking accounts, or with Chiefs Checking or CashBack Free Checking accounts that have closed within the past six months do not qualify), and (3) within 60 days of account opening set up a recurring monthly direct deposit of at least $250, not aggregated.
• Applications are subject to credit approval.
• A qualifying direct deposit is an ACH (Automated Clearing House) automatic electronic deposit of your salary, pension, Social Security, or other regular income into your bank account. Transfers from one account to another, mobile deposits, or deposits made at a branch or ATM don’t qualify as a direct deposit.
• Within 60 days of meeting qualification requirements, a $400 credit will be posted into the primary account owner’s membership savings account.
• The account must be open and in good standing at the time of payout to qualify for the credit.
• Examples of ineligible accounts may include: delinquent accounts, accounts that have caused the credit union to experience a loss, accounts in which we suspect illegal activity, fraud, scam or financial exploitation, or accounts involved in legal or administrative proceedings.
• Other requirements do apply.
• Limit one $400 credit per Checking account and per member.
• Offers subject to change without notice and cannot be combined with any other offer.
• The credit(s) may be reported as income on IRS Form 1099-MISC.

CommunityAmerica Credit Union $300 Checking Bonus

• What you’ll get: $300 Bonus
• Where it’s available: KS, MO (Branch Locator)
• Direct Deposit Requirement: Yes
• Credit Inquiry: Hard Pull
• Monthly Fees: $0
• Early Termination Fees: Unknown
• How to earn it:
  • To receive the $300 credit for a new checking account, you must meet CommunityAmerica Credit Union membership eligibility requirements and
    • (1) Open a new Cashback Free Checking or Chiefs Checking account, which is subject to credit approval, through 12/31/2024 (members with existing Cashback Free Checking or Chiefs Checking accounts or with Cashback Free Checking or Chiefs Checking accounts that have closed within the past six months do not qualify), and within 90 days of account opening,
    • (2) enroll in CommunityAmerica online banking or the CommunityAmerica Mobile App, and
    • (3) complete two or more direct deposits that total at least $2,500. The direct deposits need to be electronic deposits of your paycheck, pension or government benefits from your employer or the government.

(Expires 01/31/2025)

Fine Print

• To receive the $300 credit for a new checking account, you must meet CommunityAmerica Credit Union membership eligibility requirements and (1) Open a new Cashback Free Checking or Chiefs Checking account, which is subject to credit approval, through 1/31/2025 (members with existing Cashback Free Checking or Chiefs Checking accounts or with Cashback Free Checking or Chiefs Checking accounts that have closed within the past six months do not qualify), and within 90 days of account opening, (2) enroll in CommunityAmerica online banking or the CommunityAmerica Mobile App, and (3) complete two or more direct deposits that total at least $2,500.
• The direct deposits need to be electronic deposits of your paycheck, pension or government benefits from your employer or the government. Person to person payments (such as Zelle) are not considered direct deposits. Within 30 days of meeting qualification requirements, your $300 credit will be posted into the primary account owner’s membership savings account.
• The account must be open and in good standing at the time of payout to qualify for the credit. Examples of ineligible accounts may include: delinquent accounts, accounts that have caused the credit union to experience a loss, accounts in which we suspect illegal activity, fraud, scam or financial exploitation, or accounts involved in legal or administrative proceedings. Limit one $300 credit per account and per member. Offer subject to change without notice and cannot be combined with any other offer. The credit may be reported as income on IRS Form 1099-MISC. Cashback Free Checking/Chiefs Checking: Earn 1% cash back, up to $5 per month, on monthly point-of-sale debit card transactions posted to a Chiefs Checking account or a Cashback Free Checking account when ‘Qualifications for cash back’ are met.
• Qualifications must be met under a single membership account. Cash back will be deposited into the Chiefs Checking or Cashback Free Checking account by the 5th calendar day following the month qualifications are met. Cash back will not be calculated for month(s) in which the qualifications are not met. Cash back earnings rate accurate as of 03/31/2023 and may change without notice after account opening. Contact us at 800.892.7957 to find out the current cash back rates.
• Limit one Chiefs Checking or Cashback Free Checking account per membership account number. Business accounts not eligible for this product. Cannot be opened in conjunction with Premier, Interest, Investors, or Loan Advantage checking accounts. Qualifications for cash back: The membership account number tied to the Chiefs Checking or the Cashback Free Checking account must complete the following: Enrolled in eStatements; one direct deposit of $250 or more per month, not aggregated; 15 posted point-of-sale debit card transactions per month to a single checking account; OR enrolled in eStatements; 25 posted point-of-sale debit card transactions per month to a single checking account.
• Transactions exclude refunds, credits, fees, pre-authorizations, and ATM transactions.

CommunityAmerica Credit Union $200 Checking Bonus (At Work Program)

• What you’ll get: $200 Bonus
• Where it’s available: KS, MO
• How to earn it:
  • Open a Chiefs Checking or Cashback Free Checking account with the promo code BMC
  • Have a monthly direct deposit of at least $250 posted to the new checking account within 60 days of account opening
  • The $200 bonus will be deposited into primary savings account within 30 days of meeting qualifications

(Offer expires 12/31/2024)

CommunityAmerica Credit Union $100 Guided Investing Bonus

• What you’ll get: $100 bonus
• Where it’s available: KS, MO
• How to earn it:
  • Get $100 when you invest $500 in a Guided Investing account before December 31.
  • To be eligible to receive the Guided Investing cash bonus offer (“Offer”), you must satisfy the following:
    • Open your Guided Investing account AND make a minimum “Initial Deposit” of at least $500 into your account by December 31, 2024.
    • Open your Guided Investing account through the CommunityAmerica Credit Union (“CommunityAmerica”) online banking application.
    • Keep your Guided Investing account funded with at least the Initial Deposit for 90 consecutive days after the date Copper Financial receives your Initial Deposit to qualify for the Offer.
    • Fund the account with the Initial Deposit within 60 days of opening your Guided Investing account.
    • Transfer your Initial Deposit into your Guided Investing account from a checking or savings account at CommunityAmerica, or through an external account via Plaid.
    • Transfers made from current accounts you have with Copper Financial are not eligible for the Offer.
    • Must not have closed any Guided Investing accounts 12 months prior to the beginning of this Offer.
    • Be a current CommunityAmerica member.

(Expires 12/31/2024)

CommunityAmerica Credit Union $25 Referral Bonus

• What you’ll get:
  • Referrer earns $25 bonus
  • Referee / Person Being Referred earns $25 bonus
• Where it’s available: KS, MO
• How to earn it:
  • Refer a friend or family member to join CommunityAmerica and open a new checking account AND
  • Complete 15 or more transactions within the first 60 days of account opening
• When it expires: None Listed

(Limited time offer)

CommunityAmerica Credit Union $150 Checking Savings Bonus (Expired)

• What you’ll get: $150 Bonus
• Where it’s available: KS, MO
• How to earn it:
  • Earn $100: Open a new Cashback Free Checking or Chiefs Checking AND complete the following requirements:
    • Activate direct deposit
    • Maintain the qualifications for cash back requirements for 31 consecutive day
  • Earn $50: Open a new High Interest Savings AND complete the following activities:
    • Reach a balance of $1,000 within 60 days of account opening
    • Maintain the qualifications for cash back requirements for 31 consecutive days
• When it expires: None Listed

(Limited time offer)

How to Avoid Monthly Fees

• Chiefs Checking: None
• Cashback Free Checking: None
• Free Checking: None
• Student Checking: None
• Small Business Checking: None
• Business Growth Checking: None
• Analyzed Checking: You can use deposit balances to offset fees

Author’s Verdict

While this promotion gives you a chance to earn the bonus by skipping the tedious direct deposit requirement, opening accounts at CommunityAmerica Credit Union will harm your credit score.

We thank our loyal readers for informing us about this. If you have any experience with CommunityAmerica Credit Union leave us a comment below.

For more current offers, check out our bank bonuses page. Compare CommunityAmerica Credit Union rates for CDs and Savings with our best rates for Savings and CD accounts.